Skip to main content Skip to main navigation Skip to accessibility page Skip to search input


Purchases standard variable rate

Cash advances (variable rate)

Balance transfers (special promotion for a limited time)

Annual fee (fee may change)

Interest free days on purchases

Card can be linked to Westpac transaction account

Complimentary overseas travel insurance

Complimentary transit accident insurance cover

Complimentary purchase security insurance

Complimentary extended warranty insurance

Access to Priority Service Line

Free Qantas Frequent Flyer membership on new accounts for a limited time

Points earned per dollar spent on purchases

Points earned per dollar spent on selected Qantas products and services

Points cap - for each statement cycle when using your cards. Bonus points do not count towards the points cap.

Things you should know

Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)

Westpac Credit Cards Complimentary Insurance Policy For claim events prior to 1 June 2015 (PDF 278KB)

Visit the product page for each credit card to check the terms and conditions, including any rewards terms and conditions (if relevant) that apply.

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7th July 2016 and 11th October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au between 7th July 2016 and 11th October 2016. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

*55 Day no annual fee promotion: $0 annual fee in the first year and $0 annual fee in subsequent years when you spend $5,000 or more on a 55 Day Card or $10,000 or more on a 55 Day Platinum card on purchases in each 12 months from the anniversary date of the first transaction on your account. Offer available on new card applications when you apply between 7th July 2016 and 11th October 2016.

Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude, Altitude Platinum, Altitude Black card between 7th July 2016 and 11th October 2016 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Existing Westpac customers who currently hold an Altitude, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

Purchase rate promotion: The introductory rate of 1.00% p.a. on purchases is available when you apply for a new Westpac credit card between 7th July 2016 and 11th October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 130 961.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

World MasterCard®, MasterCard® and the MasterCard brand mark are registered trademarks, and PayPass is a trademark of MasterCard International Incorporated.